Aman Health Insurance Dubai

Features and Benefits of Aman Health Insurance

Written below are a few features and benefits of Aman Health Insurance Dubai.

Settlement Benefit

The members of the plan are given Aman Healthcare cards. These cards enable them the benefit of direct/cashless settlement within the extensive list of selected healthcare providers.

Geographical Scope

The members can avail healthcare services beyond the UAE with Medical Insurance. However, these services can be availed within the geographic scope of the coverage.

Treatment from Other Healthcare Providers

Any treatment availed from healthcare providers outside the network within the UAE is subjected to the element of coinsurance or pre-authorization (in case of Sanad Plan).

Telephone Helpline

The policyholder has a 24/7 access to the telephone helpline handled by professional medical staff from Neuron.

Types of Aman Health Insurance

Given below are the major Aman Health Insurance UAE Plans along with their key features and coverage scope:

Benefits of Al Shamel Plan

• Cover for in-Patient Charges including those related to surgeons, anaesthetists, physician’s fees along with the prescribed medication and dressing 
• AED 100 for every night stay as an in-patient cash benefit
• Home nursing care covered for up to 13 weeks
• Alternative medicine therapy like chiropractic, Ayurveda, acupuncture, and homeopathy cover -  up to AED 2,000 per annum
• Full Reimbursement for outpatient services related to prescribed medication, out-patient surgeries, general practitioner fees, consultations, specialist fees, and fees charged by physicians, surgeons, and anaesthetists 
• Repatriation of remains or local burial charges – covered for AED 10,000 per person
• Neonatal Care – Completely reimbursed
• Emergency medical evacuation – up to USD 1,000,000
• Local ambulance charges – up to AED 2,000 per trip

Benefits of Wiqaya Plan

• Accidental and emergency treatments outside the covered territory (subject to co-insurance) - the claim documents are to be submitted within 60 days for every policy year
• Intensive Care Unit – Covered
• Cash benefit for in-patient accommodation in a private room – AED 100 per night stay
• Home nursing care – covered for up to 13 weeks
• Lab tests like pathology, X-rays, radiotherapy, physiotherapy, and MRI covered (subject to specialised investigations and physiotherapy treatment)
• Full Reimbursement for outpatient services like prescribed medication, out-patient surgeries, general practitioner fees, consultations, specialist fees, and fees charged by physicians, surgeons, and anaesthetists. 
• Repatriation of mortal remains or domestic burial charges – AED 10,000 per person
• Alternative medicine therapy –up to AED 2,000 per annum 

Benefits of Himaya Plan

• Organ Transplant (as a recipient) – covered up to the yearly benefit limit
• Pre-existing and chronic conditions (for a group of 20 or above employees) - covered up to the yearly benefit limit
• Outpatient Facilities like medication, dressing, medical practitioner’s fees including the consultation, general practitioners, and specialist fees – full reimbursement available
• Full reimbursement on inpatient services like prescribed medication and treatment fees
• Coverage for intensive care unit
• Emergency domestic ambulance charges – up to AED 1,000 per trip
• Repatriation of mortal remains – covered up to AED 10,000 per person
• Emergency medical evacuation – subjected to additional benefit
• Coverage for neonatal care

Benefits of Mo’azara Plan 

• Semi-private room for accommodation
• Coverage for intensive care unit
• Coverage for lab tests, X-rays, CT scans like MRI, radiotherapy, and prescribed physiotherapy
• Outpatient Facilities like medication, dressing, medical practitioner’s fees including the consultation, general practitioners and specialist fees – full reimbursement available
• Neonatal care (available if maternity benefit is chosen) -  full reimbursement
• Repatriation of mortal remains or domestic burial costs – coverage of up to AED 10,000 per person
• Optional benefits include – routine dental treatment, maternity benefit, optical benefit

Benefits of Sanad Plan

• Outpatient Facilities like medication, dressing, medical practitioner’s fees including the consultation, general practitioners, and specialist fees – full reimbursement available
• Cover provided for In-Patient Charges related to medication and dressing and fees charged by physicians, surgeons, and anaesthetists 
• Emergency local ambulance charges – up to AED 500 per trip
• Repatriation of mortal remains or local burial charges – covered up to AED 10,000 per person
• Lab tests like pathology, X-rays, radiotherapy, physiotherapy, and MRI covered (subject to specialised investigations and physiotherapy treatment)
• Coverage for organ transplant (recipient only)
• At-home nursing care – coverage of up to 13 weeks
• Additional benefits (optional) include routine dental treatment, maternity benefit, neo-natal care, and optical benefit

Aman Health Insurance Inclusions

Some of the general inclusions for Aman Health Insurance are listed below -

1. Emergency and Accidental Treatments beyond the cover territory
2. Private Hospital Accommodation Board and Room
3. 100 AED per night stay in-patient benefit of cash
4. Coverage of parent/guardian Accommodation (in case the insured is below 18 years old)
5. Home Nursing Care after discharge from hospital (up to 13 weeks’ coverage)
6. Full reimbursement for out-patient charges related to including:
   • Dressings and prescribed drugs
   • Fees of physician, anaesthetist, and surgeon
   • Surgical procedure
   • Fees of the medical practitioner
7. Chronic and Pre-existing conditions covered up to the limit of annual benefit (applicable for groups of 20 employees and more)

Aman Health Insurance FAQ's